Privacy Policy

1. Introduction

This Privacy Policy describes how PrepayLoan.com ("we," "our," or "us") collects, uses, shares, and protects personal information obtained from individuals ("you") who visit our website, use our mobile applications, or otherwise interact with our services (collectively, the "Services"). By using our Services, you acknowledge that you have read and understand the terms of this Privacy Policy.

Our commitment to privacy is fundamental to our relationship with our customers and visitors. We strive to be transparent about our data practices and give you control over the information we collect about you.

2. Information We Collect

2.1 Information You Provide to Us

We collect information you provide directly to us, including:

• Personal Information: Your name and email address.
• Account Information: Username, password, and other credentials used to access our Services. Currently there is no username and password necessary.
• Communication Information: Information you provide when contacting customer support or communicating with us through the Services.

2.2 Information We Collect Automatically

When you access or use our Services, we do not collect the data you provide in our loan tools, However, we automatically collect certain information, including:

• Device Information: Information about the device you use to access our Services, including hardware model, operating system and version, unique device identifiers, and mobile network information.
• Usage Information: Information about your use of our Services, including the pages or content you view, your search queries, loan calculations, and other actions on our Services.
• Location Information: General location information (such as city and state) inferred from your IP address.
• Log Data: Information that your browser or device automatically sends whenever you visit our website or use our mobile applications, including your Internet Protocol (IP) address, browser type and settings, access times, pages viewed, and referring website addresses.

2.3 Information From Third Parties

We may collect information about you from third parties, including:

• Identity Verification: Information from identity verification services to confirm your identity.
• Marketing Partners: Demographic and interest data from marketing partners to better understand our customers.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Services
• Communicate with you about our Services, including sending notifications, updates, and support messages
• Personalize your experience and deliver content tailored to your interests
• Comply with legal obligations and enforce our terms and policies
• Analyze usage patterns and trends to enhance our Services and marketing efforts
• Respond to your inquiries and provide customer support

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Service Providers

None.

4.2 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of our assets, your information that your provide may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

4.3 Legal Requirements

We may disclose your information if we believe in good faith that such disclosure is necessary to:

• Comply with relevant laws, regulations, legal processes, or governmental requests
• Protect the rights, property, or safety of PrepayLoan.com, our users, or the public
• Detect, investigate, prevent, or address fraud and other illegal activity
• Enforce our agreements, including investigating potential violations

4.4 With Your Consent

None, though advertisers may automatically know your IP address and information sent by your browser.

4.5 Aggregated or De-identified Data

We may share aggregated or de-identified information, which cannot reasonably be used to identify you, for various purposes including data analysis, research, and improving our Services.

5. Data Security

We do not store data entered into our Loan Tools.

We implement appropriate technical and organizational measures to protect the security of your personal information. We implement appropriate technical and organizational measures to protect the security of your personal information. These measures include encryption of sensitive data, secure network architecture, and restricted access to your personal information by our employees. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining how long to retain information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, and applicable legal requirements.

6. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities on our website and mobile applications. Cookies are small data files stored on your device that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits.

We use the following types of cookies:

• Essential Cookies: Necessary for the website to function properly and cannot be switched off.
• Performance Cookies: Help us analyze how visitors use our website to improve its performance.
• Functionality Cookies: Allow the website to remember choices you make and provide enhanced features.
• Targeting Cookies: Track your browsing habits to deliver advertising relevant to your interests.

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of our Services may be inaccessible or not function properly.

7. Marketing Communications

We may use your information to contact you with newsletters, marketing or promotional materials, and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe instructions provided in any email we send or by contacting us directly.

If you opt out of marketing communications, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.

8. Your Rights and Choices

8.1 Access and Update

You can access and update certain information about your account through your account settings or by contacting us directly.

8.2 Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, which may include:

• The right to access personal information we hold about you
• The right to request correction of inaccurate personal information
• The right to request deletion of your personal information
• The right to restrict or object to processing of your personal information
• The right to data portability
• The right to withdraw consent at any time, where processing is based on your consent

8.3 California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, disclose, and sell
• The right to delete personal information we have collected about you
• The right to opt-out of the sale of your personal information
• The right to non-discrimination for exercising your CCPA rights

To exercise your rights, please contact us using the information provided in the "Contact Us" section below.

9. Children's Privacy

Our Services are not directed to children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will promptly delete that information. If you believe we have collected personal information from a child under 18, please contact us.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on our website with an updated effective date. We encourage you to review the Privacy Policy whenever you access our Services to stay informed about our information practices.

If we make material changes to this Privacy Policy, we will notify you by email or through a notice on our website prior to the changes becoming effective.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: ddgflorida@gmail.com